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If you totally ignore them, what are the ramifications if they do follow through? I have a spotless credit history spanning over four decades...I bet you do also. Methinks it's a "scam" of sorts....and preys upon "fear" of a credit "ding" for folks like you and others...I don't care at this point...but that's just me.
Ding, ding, ding....this Pavlov dawg doesn't respond to the bell like some do...YMMV.
"....and the horse you rode in on".
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